You’re looking around for a new checking account and think you’ve found the perfect one. It has all the features you need, including a $300 cash bonus just for signing up. But there’s one caveat — you can only get the bonus if you enroll in monthly direct deposits, which your employer doesn’t offer. Queue bank promotions without direct deposit requirements!
Most bank bonuses have a few qualifying requirements. For example, you may have to maintain a minimum balance requirement or average daily balance. You may also have to satisfy a minimum deposit threshold upon account opening.
Many banks also require that you link direct deposit to your account to get the sign-up bonus, which can be problematic if you work for a company that doesn’t support it.
Maybe you’re between jobs, are self-employed, or your employer pays you by check or in cash. These are all valid reasons why you might not be able to set up direct deposits with your bank.
Keep in mind that some of these accounts are available nationwide, while others might only be offered in the states in which the bank operates physical branches.
Best Bank Bonuses Without Direct Deposit Requirements – June 2025
Here are the 25 current best bank bonuses that don’t require a direct deposit:
- J.P. Morgan: up to $700 bonus
- Raisin: up to $500 bonus
- Chase: up to $500 bonus
- Axos: up to $375 bonus
- Discover: up to $360 bonus
- U.S. Bank: up to $900 bonus
- Capital One: up to $1500 bonus
- TD Bank: $200 bonus
- Bank of America: $200 bonus
- Revolut: $10 bonus
- Baselane: $150 bonus
- Fulton Bank: $500 bonus
- First Horizon Bank: up to $650 bonus
- NexBank: up to $500 bonus
- Hanmi Bank: up to $2000 bonus
- Wells Fargo: $825 bonus
- BMI FCU: $450 bonus
- Ameriprise Bank: up to $450 bonus
- Banner Bank: up to $600 bonus
- Associated Bank: up to $750 bonus
- First Commonwealth Bank: $200 bonus
- First Merchants Bank: $300 bonus
- PNC: $400 bonus
- M&T: up to $1500 bonus
- S&T Bank: up to $900 bonus
1. J.P. Morgan Wealth Management
Available nationwide with the ability to open online, J.P. Morgan Wealth Management is offering up to a $700 welcome bonus when you open a new Self-Directed Investing account with qualifying minimum funding.
This is tiered bonus, meaning that the more you deposit, the more you may be eligible to earn. New for this iteration, J.P. Morgan has introduced a lower tier at $5,000, down from the previous $25,000 entry point and raised the max bonus amount!
Here are all 4 tiers of this investing bonus:
| New Money Added | Bonus Amount |
|---|---|
| $5,000-$24,999 | $50 |
| $25,000-$99,999 | $150 |
| $100,000-$249,999 | $325 |
| $250,000+ | $700 |
This is the highest offer that we've seen to-date from J.P. Morgan.
Self-Directed Investing - up to $700 bonus
Expires: July 22, 2025
The Self-Directed Investing signup offer requires you to deposit and maintain a minimum balance in order to earn the $700 bonus. Full requirements to receive this bonus are:
- Open a J.P. Morgan Self-Directed Investing account using the link below.
- Within 45 days, fund your account with qualifying new money; $5,000 - $24,999 = $50 bonus; $25,000 - $99,999 = $150 bonus; $100,000 - $249,999 = $325 bonus, $250,000 = $700 bonus.
- Your bonus amount will be determined on day 45.
- Maintain your new funds for 90 days (losses due to trading or market fluctuation will not be taken into account).
- Bonus will be received within 15 days.
- INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Apply now to earn the $700 bonus from J.P. Morgan
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2. Raisin
Available nationwide, Raisin is offering up to a $500 welcome bonus when you open a new HYSA and deposit some funds. This is MORE THAN DOUBLE what Raisin previously offered! The catch? To earn the highest amount, you'll need to deposit at least $50,000! With that said, the lowest tier to earn a bonus is $10,000
If you're not familiar with Raisin, they partner with several banks and credit unions to provide high yield savings accounts through their platform. There are no minimum balance requirements, no fees and a high APY on all balances.
High Yield Savings - up to $500 bonus
Expires: June 30, 2025
The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open a new HYSA account through the Raisin platform using promo code BOOST.
- Within 14 days, deposit $10,000 to earn $75, $25,000 to earn $250 or $50,000 to earn $500.
- Maintain that balance for 90 days.
- Bonus will be deposited into your linked external bank account within 30 days of meeting all requirements.
Apply now to earn the $500 bonus from Raisin
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3. Chase Bank
Chase Bank is offering business owners up to a $500 bonus to open a new Chase Business Complete Checking® account.
The requirements are pretty easy to meet: deposit new money at least $2,000 ($10,000 for $500 bonus) and maintain it for 2 months, and complete just 5 qualifying transactions in the next 3 months. Several activities count as "qualifying transactions", including purchases on your debit card, deposits into the account, setting up a bill payment, and more. See the fine print for the full list, but needless to say, meeting that requirement should be painless.
What's especially awesome about this bonus compared to other business checking account offers is that Chase recently launched the ability for customers to open an account online. Compared to the vast majority of business checking accounts which require you to visit your local branch, opening an account at Chase is significantly more convenient.
If you prefer live help, however, you can still enroll in this offer by entering your email address on the bonus landing page to have an offer code sent to you. Just be sure to take that code with you when you visit a branch.
Chase Business Complete Checking® - up to $500 bonus
Expires: July 17, 2025
The Chase Business Complete Checking® signup offer requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Obtain a Chase business coupon using the link below and open a new Chase Business Complete Checking® account.
- Within 30 days, deposit at least $2,000 in new money into the account to earn $300 bonus or at least $10,000 in new money to earn $500 bonus.
- Maintain that balance for at least 60 days from offer enrollment.
- Within 90 days of account opening, complete 5 qualifying transactions: debit card purchases, Chase QuickAccept℠ deposits, Chase QuickDeposit℠, ACH credits, wires (credits and debits), and/or bill pay.
- Bonus will be credited to your account within 15 days of meeting the requirements.
Apply now to earn the $500 bonus from Chase
Learn More:
4. Axos Bank
Axos is offering up to $375 to business owners who open a new Business Premium Savings account and maintain a minimum balance. Not only is this offer available nationwide with the ability to open online, it's also the highest reward amount we've seen Axos offer, so now is a good time to jump on it!
What's more? This is ON TOP of the account's 3.80% APY! We challenge you to find any other business savings account offering that kind of APY. So while, yes, the required deposit amounts are steep, coupled with the competitive interest rate, we think this is a great opportunity for businesses with the available cash.
Note: Axos is also running a $400 promotion for opening a Business Interest Checking account, and new business customers can double dip both.
Business Premium Savings - up to $375 bonus
Expires: September 30, 2025
The Business Premium Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $375 bonus. Full requirements to receive this bonus are:
- Open a new Business Premium Savings account with promo code BPS375.
- During the first 4 statement cycles maintain a minimum balance as follows: $75 will be earned for each statement cycle during which the average daily balance is at least $30,000. $125 will be earned for each statement cycle during which the average daily balance is at least $75,000.
- You can earn a maximum of 3 payouts during the 4 statement cycles.
- Bonus(es) will be deposited into your new account within 10 business days following the end of the statement cycle in which the balance requirement was met.
Apply now to earn the $375 bonus from Axos
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5. Discover Bank
Discover® Bank, member FDIC, has a cool twist on the old-fashioned debit card: cash back rewards. Open an account online, and they'll give you 1% cash back on up to $3,000 in debit card purchases each month, for up to $360 each year as a bonus to your normal spending. See website for details.
Discover® Cashback Checking - up to $360 bonus
Expires: Limited Time
The Discover® Cashback Checking signup offer requires you to make purchases using the account's card in order to earn the $360 bonus. Full requirements to receive this bonus are:
- Open a new Discover® Cashback Checking account using the link below.
- Use your debit card to earn cashback – up to $30 can be earned per month (see website for details).
- Bonus cash will be deposited into your account each month.
Apply now to earn the $360 bonus from Discover
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6. U.S. Bank
U.S. Bank is offering up to a $900 welcome bonus when you open and fund a new, eligible business checking account. The business account you open will determine how much bonus money you can qualify for.
This offer amount is similar to the last time it was offered, and rewards businesses with higher balances, so now might be a great time to jump on it if you've been considering U.S. Bank for your business banking needs.
Business Checking - up to $900 bonus
Expires: June 30, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card and set up bill pay in order to earn the $900 bonus. Full requirements to receive this bonus are:
- Open a new eligible U.S. Bank business checking account online with promo code Q2AFL25 and complete qualifying activities.
- To earn $500 bonus: Open a new Business Essentials account between 04/03/2025 and 06/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- To earn $900 bonus: Open a new U.S. Bank Platinum Business Checking account between 04/03/2025 and 06/30/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening.
- For either bonus, you must also complete 5 qualifying transactions within 60 days of account opening.
- Business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Subject to certain terms and limitations. Offer valid through June 30, 2025. Member FDIC.
Apply now to earn the $900 bonus from U.S. Bank
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7. Capital One
Available nationwide and from a well-ranked bank, Capital One is offering up to $1,500 if you open a 360 Performance Savings account. This is a 3-tier bonus – the more you deposit, the more you can earn. This time around they've increased all tiers.
You'll need to make some sizable deposits, totaling at least $20,000, which will earn you $300. To get the full amount, you'll need to deposit $100,000.
Overall, if you're a new Capital One personal savings customer, this is a bonus with easy requirements if you have some cash and is worth taking advantage of.
360 Performance Savings - up to $1500 bonus
Expires: Limited Time
The 360 Performance Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus. Full requirements to receive this bonus are:
- Open a new 360 Performance Savings account with promo code BONUS1500.
- Within 15 days of opening, deposit at least $20,000 to earn $300; $50,000 to earn $750; or $100,000+ to earn $1,500.
- Hold the money in your account for the 90 days AFTER the initial 15 day funding period (105 days in total).
- Bonus will drop to your account within 60 days of meeting all requirements.
Apply now to earn the $1500 bonus from Capital One
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8. TD Bank
TD Bank is offering a $200 welcome bonus if you open a new savings account. With the recent drop in required deposit (from $20k to now $10k), it works out to effectively be an interest rate of about 8%.
What's more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $150 on top of this offer for a total of up to $500.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
Personal Savings - $200 bonus
Expires: June 30, 2025
The Personal Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Open a TD Savings account using the link below.
- Within 20 days, deposit $10,000 and maintain that balance for 90 days.
- Bonus will be paid on or before 180 days after account opening.
Apply now to earn the $200 bonus from TD Bank
Learn More:
9. Bank of America
If you're a business owner in the market for a new checking account, be sure to check out this offer from Bank of America.
They're offering a $200 cash bonus when you open a new Bank of America® Business Advantage Banking account and maintain qualifying deposits.
To qualify, you can choose between the Bank of America Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking accounts. Both have monthly fees that can be waived if minimum deposits amounts are met. See below for more details.. Then, you'll just need to deposit $5,000 into your new account. Pretty simple!
Bank of America® Business Advantage Banking - $200 bonus
Expires: December 31, 2025
The Bank of America® Business Advantage Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Open a new Bank of America® Business Advantage Banking account.
- Within 30 days, make qualifying deposits of $5,000 or more in new money.
- For the next 60 days, maintain an average balance of $5,000.
- Bonus will be deposited directly into your Business Advantage Banking account within 60 days from the end of your qualifying period.
Apply now to earn the $200 bonus from Bank of America
Learn More:
10. Revolut
Revolut is offering $10 when you open any new Revolut account and complete a transaction with your card. That's it! This is a limited time offer when you sign up through BankBonus.com so you must act fast!
What's more? Select customers may be offered an opportunity to earn 1% back on purchases, up to $70 a week for the first 90 days! On top of that, once you signup you'll be eligible to refer friends. Recent referral promotions have gone as high as $100 each!
Standard Account - $10 bonus
Expires: Limited Time
The Standard Account signup offer requires you to make purchases using the account's card in order to earn the $10 bonus. Full requirements to receive this bonus are:
- Open a new Revolut account using the link below.
- Once you have provided your phone number, you will be directed to the sign up flow for a Revolut Personal account.
- Before the end of the Limited Time Promotion Period, make one (1) qualifying transaction of at least $1.00 using your Revolut physical or virtual card.
Apply now to earn the $10 bonus from Revolut
Learn More:
11. Baselane
Available nationwide, Baselane is a banking platform for landlords to help them manage rent collection, taxes, banking, insurance and more! Through June, Baselane is offering a $150 welcome bonus when you open a new account and collect at least 2 rent payments. There's also a minimum deposit requirement, but it's small.
Baselane Banking - $150 bonus
Expires: Limited Time
The Baselane Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus. Full requirements to receive this bonus are:
- Open a new Baselane account using the link below.
- Within 30 days, deposit at least $500 into a Baselane banking account and maintain that average balance for 60 days.
- Within 90 days, complete at least $1,500 of mortgage payments from your Baselane Banking account.
- Finally, within 90 days, collect at least $1,500 of rent payments using Baselane’s Rent Collection tool.
- Bonus will be deposited into your Baselane banking account within 30 days
Apply now to earn the $150 bonus from Baselane
Learn More:
12. Fulton Bank
Fulton Bank is offering $500 to new business checking customers for completing minimum deposit requirements. If you live in one of their geographic areas, this is an easy bonus for opening a business checking account that has no monthly fees.
The fine print states that you will have needed to receive a direct communication (email or digital ad) from them to be eligible, but we've seen where this isn't the case. YMMV.
Business Checking - $500 bonus
Expires: June 27, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open a new Business Checking account online using promo code BCK500 (or request a code via email to open in-branch)
- Within 60 days of account opening, deposit at least $3,000 of new money.
- Within the same timeframe, enroll in Small Business Online banking.
- Bonus will be credited to your business checking account within four to six weeks after the above conditions have been met
Apply now to earn the $500 bonus from Fulton Bank
Learn More:
13. First Horizon Bank
Available primarily in the SouthEast, First Horizon Bank is offering up to an $650 welcome bonus when you open a new business checking account and make deposits. This is a tiered offer. The first tier bonus of $400 is for completing deposit requirement. An additional $250 is for adding on merchant services.
Business Checking - up to $650 bonus
Expires: June 30, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $650 bonus. Full requirements to receive this bonus are:
- Open a new BizEssentials Checking account.
- Within 15 days of the account opening, deposit at least $5,000
- Maintain a $5,000 average daily balance for the first 3 full statement cycles.
- Conduct 20 qualifying transactions within the first 3 full statement cycles.
- Bonus will be deposited within 10 business days after qualifying activities are met.
- Earn an additional $250 when you establish a Merchant Processing account with the First Horizon provider, Fiserv, by 06/30/2025, and activate that account within the first 30 days after the merchant account is approved.
Apply now to earn the $650 bonus from First Horizon Bank
Learn More:
14. NexBank
Available nationwide, you can earn up to a $500 welcome bonus when you open a new HYSA and deposit some funds. The catch? To earn the highest amount, you'll need to deposit at least $50,000! With that said, the lowest tier to earn a bonus is $10,000
The bonus is offered on a NexBank savings account powered by the Raisin platform. If you're not familiar with Raisin, they partner with several banks and credit unions to provide high yield savings accounts through their platform. There are no minimum balance requirements, no fees and a high APY on all balances.
High Yield Savings - up to $500 bonus
Expires: June 30, 2025
The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open a new NexBank HYSA account through the Raisin platform using promo code BOOST.
- Within 14 days, deposit $10,000 to earn $75, $25,000 to earn $250 or $50,000 to earn $500.
- Maintain that balance for 90 days.
- Bonus will be deposited into your linked external bank account within 30 days of meeting all requirements.
Apply now to earn the $500 bonus from NexBank
Learn More:
15. Hanmi Bank
Available in select state, Hanmi Bank is offering up to a $2,000 welcome bonus when you open a new business checking account and maintain a minimum balance. This is a tiered offer, the higher minimum balance you can maintain, the more you can earn. Be sure to spend your points within 3 years or they will expire!
What's even more? You can also receive a $250 rebate on Clover devices when you're a new Merchant Services customer. You can also stack this offer with their personal checking account to increase total earnings.
Business Checking - up to $2000 bonus
Expires: June 30, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $2000 bonus. Full requirements to receive this bonus are:
- Open a new business checking account in branch.
- Within 30 days, order and activate your business debit card and enroll in uChoose Rewards.
- Starting the first full month, maintain a 3-month average daily balance as follows: $15,000 ($250 bonus), $50,000 ($1,000 bonus), $100,000 ($2,000 bonus).
- Bonus will be rewarded as uChoose reward points and are credited within 30 days after the qualification period.
Apply now to earn the $2000 bonus from Hanmi Bank
Learn More:
16. Wells Fargo Bank
Available nationwide, Wells Fargo is offering a $825 welcome bonus when you open a new business checking account and maintain a minimum balance. Though, not as good as the time back in 2022 when they offered a $1,500 bonus, it's still a very solid offer.
If you have lower balances and will struggle to meet the threshold for this bonus, consider Wells Fargo's $400 bonus offer instead.
Business Checking [Higher Balances] - $825 bonus
Expires: June 30, 2025
The Business Checking [Higher Balances] signup offer requires you to deposit and maintain a minimum balance in order to earn the $825 bonus. Full requirements to receive this bonus are:
- Open a new Wells Fargo Initiate Business Checking, Navigate Business Checking, or Optimize Business Checking from the link below.
- Have at least $25,000 ending daily balance in your new business checking account on the 30th calendar day and the 60th calendar day after account opening.
- Bonus will be deposited into your new business checking account within 30 days after meeting all offer requirements.
Apply now to earn the $825 bonus from Wells Fargo
Learn More:
17. BMI Federal Credit Union
To kick off 2025, BMI Federal Credit Union is now offering new members that signup through a preferred employer $450 for opening a new personal checking account and using their debit card. This offer is the highest offer we've seen from BMI FCU so now's a good time to signup if you qualify. Keep in mind, you must keep the account open for 12 months or they'll claw it back.
Personal Checking [Preferred Partner] - $450 bonus
Expires: June 30, 2025
The Personal Checking [Preferred Partner] signup offer requires you to make purchases using the account's card in order to earn the $450 bonus. Full requirements to receive this bonus are:
- Be an employee of a preferred partner of BMI FCU and open a new checking account with promo code BDCHECK25.
- Within 90 days, make at least 30 Visa debit card transactions of at least $5 each and signup for eStatements.
- Bonus will be deposited within 10 business days after all qualifications have been met
Apply now to earn the $450 bonus from BMI FCU
Learn More:
18. Ameriprise Bank
Available nationwide, Ameriprise Bank is offering customers a $250 bonus when you deposit new funds to a new or existing personal savings account. The deposit amount is higher and there's only one tier this time around. They've also added more requirements to earn a secondary $200 bonus for direct deposit.
Ameriprise® Bank Savings Account - up to $450 bonus
Expires: June 30, 2025
The Ameriprise® Bank Savings Account signup offer requires you to deposit and maintain a minimum balance in order to earn the $450 bonus. Full requirements to receive this bonus are:
- Be an existing Ameriprise customer and have an existing Ameriprise® Bank Savings Account or open a new Ameriprise® Bank Savings Account.
- Deposit an additional $35,000 in New Money into your account by June 30, 2025, earn $250
- Maintain existing balance (as of April 22) and New Money deposits in the Account through October 31, 2025.
- If all offer requirements are met, the bonus will be credited to the Account by January 31, 2026.
- Extra: Set up and maintain a Qualifying Direct Deposit(s) to your Ameriprise Bank Savings Account that totals at least $1,500 each calendar month for a minimum of five consecutive calendar months (total of $7,500), earn $200.
Apply now to earn the $450 bonus from Ameriprise Bank
Learn More:
19. Banner Bank
Available in select states with the ability to open online, Banner Bank is offering customers up to a $500 welcome bonus when you open a new business checking account and maintain minimum balance requirments. The higher your deposit, the higher your bonus.
You can earn an additional $100 bonus by opening a business savings or money market account at the same time your Banner Bank checking account is opened and complete the deposit requirements.
This is one of the highest bonuses we've seen from Banner, so now would be a good time to signup!
Business Checking - up to $600 bonus
Expires: June 30, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $600 bonus. Full requirements to receive this bonus are:
- Open a new business checking account using promotion code 2025DP.
- $100 Checking Bonus: Within 60 days, deposit at least $1,000 in new money and maintain at least a $1,000 minimum daily balance for an additional 90 days, earn $100.
- $500 Checking Bonus:Within 60 days, deposit at least $25,000 in new money and maintain at least a $25,000 minimum daily balance for an additional 90 days, earn $400.
- $100 Savings Bonus: 1) Open a Banner Bank business savings or money market account at the same time your Banner Bank business checking account is opened; AND 2) Deposit a total of $1,000 or more in new money within 60 days of account opening and maintain a minimum daily balance of $1,000 or more for 90 days.
- Bonus(es) will deposit within 30 days after you have met all the above requirements and your account has been open for at least 90 days.
Apply now to earn the $600 bonus from Banner Bank
Learn More:
20. Associated Bank
Back for 2025! Available in quite a few midwestern states, Associated Bank is offering up to a $750 welcome bonus when you open a new business checking account and deposit new money. The business account you open will determine what the max bonus amount you'll be eligible for.
What's even more? You can stack this offer with their personal checking account bonuses to earn a lot more!
Business Checking - up to $750 bonus
Expires: June 30, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. Full requirements to receive this bonus are:
- Be a new business checking customer and open a new business checking account.
- Open a Business Foundation Checking® account and deposit $2,000 in new money within 30 days, earn a $100 bonus; Open a Business Core Checking® account and deposit $5,000 in new money, earn a $400 bonus; Open a Business Advanced Checking® account and deposit $20,000 in new money, earn $750
- Maintain the minimum balance between days 31 to 90.
- Bonus will be deposited into the new Associated Bank business checking account within 120 days of account opening.
- Keep the account open for at least 12 months
Apply now to earn the $750 bonus from Associated Bank
Learn More:
21. First Commonwealth Bank
Available to residents within their footprint, First Commonwealth Bank is offering a $200 welcome bonus when you open a new personal checking account and set up direct deposit. What's even more? You can stack this offer with their referral bonus if you know an existing member to earn a total of $300.
Personal Checking - $200 bonus
Expires: June 30, 2025
The Personal Checking signup offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Open a new personal checking account online, in-branch or over the phone using promo code FCB22024.
- Within 60 days, make 10 or more qualifying debit card purchases that post and clear the account.
- Maintain an active account.
- Bonus will be deposited within 60 days of all requirements being met
Apply now to earn the $200 bonus from First Commonwealth Bank
Learn More:
22. First Merchants Bank
First Merchants Bank is offering new customers a $300 bonus for opening a new Advantage Checking account and maintain an active account. This is on the higher end of the bonuses we've seen offered from First Merchants, but it does require direct deposit and debit card purchases to earn it. Don't worry, the thresholds aren't too bad!
If you'd like to earn a $500 bonus, see the requirements tied to the Elite Checking offer at this same landing page.
Advantage Checking - $300 bonus
Expires: June 30, 2025
The Advantage Checking signup offer requires you to make purchases using the account's card in order to earn the $300 bonus. Full requirements to receive this bonus are:
- Register online at the link below for the promotional offer.
- Open a new Advantage Checking account.
- For the first 3 months after the month of account opening, complete one direct deposit of at least $500.
- During the same time period, complete 15 debit card transactions or payments (via ACH, bill pay, or check) of at least $10.
- Bonus will be credited to your account within 90 days of meeting requirements.
Apply now to earn the $300 bonus from First Merchants Bank
Learn More:
23. PNC Bank
PNC is running a couple of welcome bonus offers targeting small business owners. For this one, you'll need to open either a Business Checking or Business Checking Plus account and then meet balance and debit card requirements.
This is a straightforward, nationally-available bonus for business owners.
If your company has higher balances or transaction volume, PNC is running a larger bonus for their enterprise checking accounts, so check those out, too!
Business Checking Account - $400 bonus
Expires: June 30, 2025
The Business Checking Account signup offer requires you to deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $400 bonus. Full requirements to receive this bonus are:
- Open a new Business Checking or Business Checking Plus account.
- For 3 statement cycles, maintain an average balance of $2,000.
- During those same statement cycles, make 20 debit card purchases.
- Bonus will be deposited within 90 days of meeting the requirements.
Apply now to earn the $400 bonus from PNC
Learn More:
24. M&T Bank
M&T is offering up to $1,500 to new Tailored Business Checking customers. This is a tiered bonus with the highest potential we've seen! You'll need to deposit a minimum of $5,000 for the first tier and maintain that average balance in the third full calendar month after the account was opened.
New for 2025: They've added an additional tier for mid-size businesses.
If you're also in the market for a Merchant Services account, you can combine this offer with their Merchant Services bonus, for a total reward of $1000.
M&T Tailored Business Checking - up to $1500 bonus
Expires: June 30, 2025
The M&T Tailored Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $1500 bonus. Full requirements to receive this bonus are:
- Open a Tailored Business Checking account using the link below using promo code BD.
- For the third full calendar month following account opening, maintain an average balance of $5,000 to earn $300; $15,000 to earn $500; $30,000 to earn $750 or $100,000+ to earn $1,500.
- Bonus will be awarded by the end of the fourth month after the account was opened.
Apply now to earn the $1500 bonus from M&T
Learn More:
25. S&T Bank
S&T Bank is offering new business checking customers up to $900 cash.
The bonus breaks down into two parts: $300 for opening a Basic Business Checking account and funding it with at least $1,000 (or $600 if you fund with at least $25,000), while also requesting and activating a debit card.
An additional $300 is up for grabs if you also open a new payment processing account with them. Fortunately, if you can't or don't want to open the processing account, you're still eligible for the up to $600 account opening bonus.
Basic Business Checking - up to $900 bonus
Expires: June 30, 2025
The Basic Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $900 bonus. Full requirements to receive this bonus are:
- Open a new Basic Business Checking account using the link below.
- Within 5 days, deposit $1,000 and have an average daily balance of $1,000 on May 5, 2025 to earn $300 or deposit $25,000 and have an average daily balance of $25,000 on August 11, 2025 to earn $600.
- Apply, receive and activate a debit card by August 11, 2025.
- To earn an additional $300, also open a new S&T payment processing account through Elavon and accept payments by August 11.
- Bonuses will be credited to your account on August 21, 2025.
Apply now to earn the $900 bonus from S&T Bank
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Credit Card Bonuses Don’t Require Direct Deposit
In addition to bank promotions, another way to earn bonus cash without needing to set up direct deposit is to explore credit card offers.
These almost always require you to spend a certain amount using your new card, and you’re usually given a few months to meet that requirement.
One caveat: always compare the spending requirement to your normal budget. If you need to make unplanned purchases, the sign-up bonus isn’t worth it.
But if the bonus fits into your normal spending, or you time the offer for when you have big purchases planned, then these can be an awesome way to earn sign-up cash without the need for direct deposit.
Here are a few credit card offers to consider:
- Ink Business Preferred® Credit Card: 90,000 bonus points
- The Platinum Card® from American Express: 150,000 bonus points
- Capital One Venture Rewards Credit Card: 75,000 bonus miles + $250 credit
- The Bread Cashback™ American Express® Credit Card: 2% cashback on purchases
- U.S. Bank Altitude® Connect Visa Signature® Card: 50,000 bonus points
1. Ink Business Preferred® Credit Card
Chase is offering 90,000 bonus points to new Ink Business Preferred® Credit Card cardholders. Those points can be redeemed for $900 cash, or $1,125 in travel rewards when redeemed through Chase Travel℠.
To get the points, you will need to make $8,000 worth of purchases in the first three months.
Offering high rewards on bonus categories that can be redeemed via the Ultimate Rewards Program, a sweet welcome bonus, and a handful of premier perks, the Chase Ink Business Preferred Card is an excellent choice for the average business owner who doesn’t mind a small annual fee.
Ink Business Preferred® Credit Card - 90,000 bonus points
The Ink Business Preferred® Credit Card offer requires you to make purchases using the account's card in order to earn the 90,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Ink Business Preferred® Credit Card using the link below.
- Within 3 months, spend $8,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash or $1,125 in travel rewards when redeemed through Chase Travel℠.
Learn more about the Ink Business Preferred® Credit Card 90,000 bonus points offer
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2. The Platinum Card® from American Express
The Platinum Card® from American Express comes with a new cardmember offer that can see you earn 150,000 Membership Rewards® Points after spending $8,000 within the first six months.
You also get a whole host of other annual perks including a $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, (requires a minimum two-night stay), a $240 digital entertainment credit, $200 Uber Cash, a $200 airline fee credit and more! Enrollment required.
This is in addition to the lounge access and 5x Membership Rewards® Points on flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year) and hotel purchases through amextravel.com. (*terms apply).
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
The Platinum Card from American Express is the original luxury card. While its annual fee is high at $695, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits. Terms Apply.
The Platinum Card® from American Express - 150,000 bonus points
The The Platinum Card® from American Express offer requires you to make purchases using the account's card in order to earn the 150,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Platinum Card® from American Express using the link below.
- Within 6 months, spend $8,000 on eligible purchases using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.
Learn more about the The Platinum Card® from American Express 150,000 bonus points offer
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3. Capital One Venture Rewards Credit Card
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles.
The card has a small annual fee; however, on par compared to other similar premium cards. Cardholders also enjoy many perks such as up to a $120 credit for Global Entry or TSA PreCheck®, no foreign transaction fees and travel accident insurance.
The Capital One Venture Rewards Card is an advantageous travel rewards card if you’re looking for straightforward flat-rate miles on all purchases, rather than just travel or other bonus categories. It also offers the option to earn higher rewards when you book trips through Capital One Travel and provides some rewarding travel benefits.
Capital One Venture Rewards Credit Card - 75,000 bonus miles + $250 credit
The Capital One Venture Rewards Credit Card offer requires you to make purchases using the account's card in order to earn the 75,000 bonus miles + $250 credit. Full requirements to receive this bonus are:
- Apply for a new Capital One Venture Rewards Credit Card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited to your rewards balance within 2 billing cycles.
Learn more about the Capital One Venture Rewards Credit Card 75,000 bonus miles + $250 credit offer
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4. The Bread Cashback™ American Express® Credit Card
Looking for a credit card with straightforward earning potential with no complicated categories to keep up with? The Bread Cashback Card earns 2% cashback on all purchases when you use your card. Earnings can be redeemed as a statement credit or direct deposit to your bank account.
This card does not come with a signup bonus; however, it has no annual fee and excellent rewards. If you like to travel, you can also use this card overseas with the worry of foreign transaction fees.
The Bread Cashback™ American Express® Credit Card - 2% cashback on purchases
The The Bread Cashback™ American Express® Credit Card offer requires you to make purchases using the account's card in order to earn the 2% cashback on purchases. Full requirements to receive this bonus are:
- Apply for The Bread Cashback™ American Express® Credit Card.
- Earn 2% cash back on purchases when you use your Card.
Learn more about the The Bread Cashback™ American Express® Credit Card 2% cashback on purchases offer
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5. U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank's Altitude® Connect Visa Signature® Card offers new cardholders a welcome bonus of 50,000 points after spending $2,000 on eligible purchases within the first 120 days of opening the account.
The Altitude® Connect Visa Signature Card comes with many ways to earn bonus points on purchases in popular categories, including hotels, travel, gas, grocery and more.
Whether you’re new to travel rewards or you simply want to add a streamlined rewards card to the mix, the U.S. Bank Altitude Connect Visa Signature is a solid pick. It comes with a low annual fee and competitive bonus rewards on gas, travel, dining, and groceries perfect for newbies.
U.S. Bank Altitude® Connect Visa Signature® Card - 50,000 bonus points
The U.S. Bank Altitude® Connect Visa Signature® Card offer requires you to make purchases using the account's card in order to earn the 50,000 bonus points. Full requirements to receive this bonus are:
- Apply for a U.S. Bank Altitude® Connect Visa Signature® Card using the link below.
- Within 120 days, spend $2,000 on eligible purchases.
- Bonus will post to your account within 6-8 weeks of completing the requirements.
Learn more about the U.S. Bank Altitude® Connect Visa Signature® Card 50,000 bonus points offer
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Want to see even more credit card bonuses?
Direct Deposit Requirement: What Counts?
While the above list only includes bank bonuses without a direct deposit requirement, you may be surprised to learn that other bank offers that do require a direct deposit may still be within your reach.
The crux is around what each bank considers to be a qualifying direct deposit.
Spoiler alert: it can vary.
So, what counts as a “qualifying” direct deposit?
It’s true, the bank does not see all deposits as equal.
Why not?
It gets to the heart of what the bank is trying to have you do by offering a bonus reward in exchange for opening a new account and setting up direct deposit: commit to the account and continue using it, long after you’ve met the bonus requirements.
So, to that end, a “qualifying direct deposit” is, strictly speaking, a reoccurring deposit made by your employer or the government (such as for social security benefits).
But, as we alluded earlier, this definition is not shared among all banks.
For example:
- Capital One 360: Transfers from brokerage accounts such as Fidelity, Schwab, and Ameritrade fulfill the direct deposit requirement.
- Bank of America: Transfers from prepaid debit cards such as Bluebird and Serve count as direct deposits.
- KeyBank: Transfers from PayPal will be coded as direct deposit.
- U.S. Bank: Transfers initiated from many online banks such as Ally, Discover, and USAA will fulfill the direct deposit requirement.
As always, look to the bonus terms and fine print to guide you. It will almost always clearly state what counts as direct deposit and what does not.
Learn More About Bank Bonuses and Their Requirements
Bank bonuses – particularly those that don’t even require direct deposit – are easy money.
However, it can be time-consuming trying to stay on top of offers that are constantly changing.
Plus, if you’re new to bank promotions, your head may spin for a bit trying to learn the nuances, requirements, and pitfalls.
Fortunately, we can help.
By entering your email address below, you’ll get instant access to:
- Why banks run these deals and how they make money
- How to meet the requirements
- Pitfalls to avoid
- Insider tips to maximize your earnings
- The newest offers available in your area
…basically everything you need to go from “I’m so confused!” to earning some of the easiest money you’ve ever made.
Frequently Asked Questions
Do checking offers expire?
Yes. Any bank offer is usually tied to an expiration date. Promotions can last anywhere from months to years, but they are almost always held to a certain timeframe.
If you’re interested in taking advantage of an offer, be sure to look into the fine print and figure out how long you have to sign up.
As a general rule of thumb, if you need a new bank account and the sign-up bonus is appealing, don’t delay.
Why can’t I find a bank promotion without direct deposit requirements?
Usually, you have to dig through a bank’s website to find bonuses, but we launched BankBonus.com to make it easy to find the best bank bonuses in one place.
If you’re struggling to find a promotion that you read about online, it’s possible that it expired or that the bank pulled it. It happens all the time.
Take some time to search through this site and sign up for our newsletter so you can get alerts when new bonuses drop.
Can I qualify for a bonus with credit card funding?
It depends. Some banks allow you to open a bank with a credit card, but many don’t. If you go this route, make sure that your credit card issuer flags the deposit as a purchase and not as a cash advance so you can avoid unnecessary fees.
Also, keep in mind that a lot of banks don’t accept American Express or Discover for credit card funding, so you’ll probably have better luck with a Visa or MasterCard.
Are bank bonuses taxable?
Yes, the money you earn from a new account bonus – regardless of whether it requires direct deposit or not – will be reported to the IRS and taxed as income. Keep this in mind when you’re figuring out your total return on any given offer.
Are Bank Promotions without Direct Deposit Requirements For You?
Choosing the right bank account is an important step in your personal finance journey.
While a bonus offer should never be the main reason you sign up for an account, it doesn’t hurt to take advantage of one of them if the bank meets your other criteria.
The key is finding an FDIC-insured bank account that works best for you. You might also want overdraft protection and the ability to earn cash back on your purchases.
If you are like the millions of others that don’t have direct deposit, don’t worry. You still have a ton of options.
Take some time to shop around and think about what’s most important. The right bank promotions without direct deposit are out there for you.
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